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How much is car insurance in Galveston?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Galveston are in line with the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Galveston. On average, it's about $16 less to insure your vehicle in Galveston than it is in the rest of the U.S.
Although these are the average rates for auto insurance in Galveston, it's important to remember that you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Galveston residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $58 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may begin to increase again in Galveston.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Galveston is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay much less than those with infractions. In Galveston, drivers with one accident on their record will experience rates around $81 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $78.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$61|
According to the first table above, the cheapest vehicles to insure in Galveston are typically trucks and vans, at $59 per month.
Car owners will see a monthly bill of about $67, while SUV owners by and large pay around $65 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Galveston, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
On average, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
In Galveston, the difference in rates based on relationship status can be as much as $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
Another factor taken into consideration is your living situation. Renters can expect to pay around $8 a month more than those who own their own home in Galveston. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Galveston, TX
Recent trends in car insurance for Galveston drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Auto insurance rates in Galveston have been mixed as of late, they increased in 2017, dropped in 2019, and rose again in 2021, before finishing at $86 in 2022.
How does Galveston compare to neighboring areas?
Why are car insurance rates in Galveston different from other areas?
Car insurance companies will take into account a number of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Community laws
- Total number of drivers in the area
- Road Safety (how many accidents each locality has)
- Off-street parking availability
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Galveston?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Galveston.
Galveston Insurance FAQs
What factors affect car insurance quotes in Galveston?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Galveston different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Galveston?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Galveston?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Galveston or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.